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2 URGENT dilemna's
hebrewroots98:
Yes, ladies, you understand, thank you! I Do have peace in my heart when I just give them over to God to work out for me. Right now I MUST honor my husband/spiritual covering first and yes, I am praying both for DH as well as brothers. I think that I would dishonor my DH and bring chaos into our family life (I already have just by bringing it up) and DH would loose all trust in me if I ever lied to him or did this behind his back (he has already told me to not do this behind his back), so I can't in good conscience. God will have to provide a way for my brothers too. I have no extra time, energy, or strenght to spend on them right now, unless HE gives it to me (if they lived closer by, yes , but they are 3 hrs away and it's nearly impossible right now with all of the medical appts, litigation, paperwork, insurance attorney, homeschooling, etc....) Lord knows my heart.... :)
Till later,
Shalom and blessings,
Ssuan
Ninny:
I agree with Lin for sure! and I am glad that you will honor your husband! Your brothers brought their situation on themselves and God will have to deal with them in His way and in His time. It will happen just the way God will have it go.
Many prayers,
Kathy
indianabob:
Dear Friend Susan,
I don't know your situation and am in no position to make any judgments, but I would like to try to help you to see the facts as others may see them.
Please let me begin with the accident.
I don't know the rules or traffic laws in your State so I'll have to estimate a little.
If called to the scene after an accident, the traffic officer in most states takes statements from each driver and any witnesses and to record any physical evidence. It is not his task to determine who is responsible; not according to the law. Of course officers sometimes do offer an opinion but that is not binding on the Insurance Company or a Court of Law. Under insurance regulations the Insurance Company may not sue another person for you. The insurance contract they have with you is to defend you in the event that you are sued by another. Another part of the contract is to reimburse you for accidental losses no matter who is at fault.
Of course the officer's report will be taken into consideration by the insurance claims dept., but that is their choice. There is often misunderstanding after an accident so be careful what you assume. Also, the officer cannot change a report that has already been filed. Perhaps a superior officer can add information that was not previously included.
The insurance agent that you use has an ethical obligation to provide good service and keep you informed (within reason) but that is a judgment call. If you asked for changes in your policy last summer, an ammended policy or a "binder" good for ten days, should have been issued by the agent or by the insurance company home office. It is your responsibility as driver to be sure that the revised policy was issued or to have a copy of the application that you signed when you asked for the change. If you didn't ask for a paper copy on official stationery and just trusted the insurance agent to remember then the situation is at least partly your responsibility. I know that we get used to trusting our agents, but the law doen't require the agent to remember. That is why we have paper, just in case he has a heart attack and doesn't file the request. So, my point is that the police officer and the insurance agent don't have ALL the responsibilities that you hoped.
Finally, the person who turned right at a red light after stopping was not in violation of the law by making the right turn. She may have underestimated your speed and pulled out in front of you at the last minute thinking that she could make it before you got to the intersection. Can you prove any differently? Are there witnesses that can prove that she saw you and carelessly caused the accident? Or was it just human error? If it was just human error, as far as the evidence indicates, then the police officer was correct to file a "no fault" report. Each driver is expected to keep their auto under control and be able to stop in case an animal or a child runs out into the street. Usually both drivers have some partial responsibility for an accident, in that they could have done something to avoid the accident even if they had the right of way. This may not be the case in your accident, but the insurance company wasn't there and they have to go by what can be proven.
So your options now are to file a civil suit in court at your own expense and hope to recover enough to pay the court expenses and your lawyer IF YOU WIN.
--- Quote from: hebrewroots98 on November 23, 2008, 01:43:22 PM ---My Family,
Along with the normal pressures and stressors of living a very busy life, I now have two urgent and different situations in which I am currently having to face and I would greatly appreciate your prayers during this trying time.
1-My two adult brothers and their dog are literally DYING from malnutrition as we speak (one was taken by ambulance the other day to the hospital for falling out (malnourished) while attempting to work at roofing (... in exchange for their one bedroom slum apartment that they share.) I want to help them out by taking them food and some basics since they are too poor to help themselves (they have zero money (till the first of each month when one brother gets only a tiny sum of SS Disability money), no food, personal items, furniture, vehicle etc.. due to the heavy drug lifestyle that they chose to live over the past 30 yrs of their lives...they are in their 40's now and have barely have anything to their names...and no one to help them out except for a church that gives out one free meal on a daily basis and they must walk very far to get there since they are on the outskirts of town and have no vehicle!) So, my DH (as well as my other siblings) refuse to help these two guys out since "they made their bed, let them lie in it and they have ignored all of our advise in the past." My senior parents would help if they could, but they are barely making it themselves and yet they want to help and can't. I do not want to usurp authority over my husband and disrespect his adamant stance here (he thinks that they guys are still doing drugs), (all of us have dished out ALOT of money, time, energy, patience, etc...on them in the past with NO THANKS, WITH ONLY DISRESPECT AND HARD TIMES GIVEN TO US BY THEM) but neither can I handle it if they died from me not helping them out. I feel stuck and do not know what to do here...any thoughts/suggestions? I am too emotionally involved to see things clearly right now I guess.
2-
2 wks ago I was in a truck crash that TOTALLED my truck (F150 Supercrew Cab...big truck...) as well as (the F-150) truck that the woman who pulled out in front of me was driving; thus I am struggling in different areas and need some divine intervention here with the following...((we are now at home from the hospital and recovering, thankfully, and are ready to get back into our normal routines again...)
1-my 10 yr old and I both suffered head trauma's...the cat scans showed that all was normal, but I need to feel peace about this particular delicate type of injury...(as well as both of my knees as well as my leg (right above the ankle nearly broke, I have lots of pain and swelling still there.)
Also, the Police officer at the scene of the accident issued a NO FAULT citation/police report to both of us drivers, and clearly it was the fault of the girl whom did not yield while turning on a green light, when I had the green light (I have been going through this intersection for 28 yrs now without a wreck...) I feel that the girl is lying and that the cop was not willing to put forth the effort to get my side of the story (I was whisked off in the ambulance while the other driver was not even taken to the hopsital), so he spent time with her and then took her word and now I am getting ready this morning to call him and ask him to change the police report since it will make all the difference in me paying my medical and gettin another vehicle bills or not!
I must go see an attorney tomorrow to see if there is anything that I can do about this police report and it being her fault and not just a NO FAULT ACCIDENT; as well as that my Insurance agent did not do what I asked of him (to change my policy/PIP coverage to a higher amount this last summer,) and how I will be cheated out of what is due me if he doesn't make it right by me; Ugh!!!
thank you so much!
Blessings,
Susan
--- End quote ---
Ninny:
Wow! Indiana Bob!
You are so smart! I am impressed :)
We should know the laws a little better. How do yo know these things? Are you a retired lawyer? Oh maybe you're a retired Judge?! Or are you just really informed!? Now don't tell me it because you've "been around awhile" That's what I tell my grand kids when they say "Wow, Ninny how did you know that?!" :D :D :D
Oh well, that was great advice, as usual. That is very helpful to know!
Kathy :)
indianabob:
Thanks for the compliment Kathy,
Actually, I'm not that smart, just very curious and experienced.
Much of my life I wanted to know why I had to do some things.
I didn't take well to people ordering me to obey, when they weren't well informed.
So, I went to the source to find out what the rules really were.
In addition I have held several jobs, so I am the example of "a jack of all trades and master of none" always seeking something new and interesting.
Civil Engineering surveyor 1 year, U. S. Air Force 4 years, U.S. Steel mill 1 yr., U.S. Post Office 1 year, City Police Officer 6 years, Insurance agent 5 yrs, Plumber in City Water Dept and Wastewater plant operator then plant manager 20 years, Lab manager in Civil Engineering Dept, U. of Notre Dame 15 years. Then the most valuable experience was married with four children 47 years.
So, no exceptional successes, lots of failures that taught me some lessons.
I guess that I just like to help and you know where "good intentions" can lead.
The real trick is to wait until we are asked, to give advice.
Anyway, I am finally on the right track and God dragged me over some interesting if painful experiences along the way.
--- Quote from: Ninny on November 26, 2008, 10:29:07 PM ---Wow! Indiana Bob!
You are so smart! I am impressed :)
We should know the laws a little better. How do yo know these things? Are you a retired lawyer? Oh maybe you're a retired Judge?! Or are you just really informed!? Now don't tell me it because you've "been around awhile" That's what I tell my grand kids when they say "Wow, Ninny how did you know that?!" :D :D :D
Oh well, that was great advice, as usual. That is very helpful to know!
Kathy :)
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